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Council votes to keep municipal tort-liability limits with League of Minnesota Cities Insurance Trust
Summary
Council unanimously approved the annual decision not to waive monetary limits on municipal tort liability under the League of Minnesota Cities Insurance Trust, keeping limits at $500,000 per claim and $1.5 million per occurrence (waiver would raise limits to $2,000,000 each).
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Staff presented the League of Minnesota Cities Insurance Trust annual waiver form and recommended selecting the option that does not waive monetary limits on municipal tort liability. Staff explained that not waiving the limits keeps the city's exposure capped—staff described the limits as $500,000 per claim and $1.5 million total for a single occurrence; waiving would increase those amounts to $2,000,000 each.
A councilmember asked why a jurisdiction would ever waive the limits; staff responded that large municipalities may choose different options. The council moved to 'do not waive' and the motion passed 4-0.
Staff said the city selects this option each year and asked for a formal motion to confirm the decision in the administrative record.

